When should I cancel my renter’s insurance if I have turned in my keys?

If you have turned in your keys and moved out of your rented property, it is generally a good idea to cancel your renter's insurance policy. However, there are a few things to consider before canceling your policy:

• Your lease agreement: Check your lease agreement to see if there are any requirements for maintaining renter's insurance coverage until the end of your lease term.
• Refunds: Check with your insurance company to see if you are eligible for a refund of any unused premium. Some insurance companies may prorate the premium based on the time left in the policy period, while others may require a full premium payment for the entire term.
• Liability coverage: If you have liability coverage as part of your renter's insurance policy, it may be beneficial to maintain this coverage for a short time after moving out, in case of any potential lawsuits related to the time you lived in the rental property.
• Future rentals: If you plan to rent again in the near future, it may be a good idea to maintain renter's insurance coverage so that you are protected in your new rental property.

Overall, the best time to cancel your renter's insurance policy is after you have moved out of the rental property and have no plans to rent again in the near future. Be sure to check with your insurance company to ensure that you are following their policy for canceling coverage and to explore any potential refunds or other options for maintaining coverage.